General Terms and Conditions:

1. Applicant must successfully apply for Bank of Communications ING Credit Card on or before 30 June 2012 to enjoy the above privileges.
2. The extra bonus points are valid for the payment of ING Life premium made on or before 30 June 2012 and will be credited to the principal card account within 8 weeks after the promotional period.
3. (i)ING Insurance Offer is applicable to principal and supplementary card. The cardholder must be one of the policyholders. (ii)The offer is applicable to the first year premium of the new policy and the subsequent renewals. The premium payment must be made by Bank of Communications ING credit card. (iii)The offer is not applicable to on-line application. (iv)The plans and offers are provided by ING General Insurance.
4. HK$200 credit card cash rebate will be offered to cardholder who successfully applies for "iMortgage Plan" within the promotional period.
5. There is no application fee for first time Applicants for the AAVS. For existing users of the AAVS, there is a non-refundable handling fee of HK$20 charged by Octopus Cards Limited for transferring the AAVS from one bank to another, or reactivation of the AAVS following suspension. The cost associated with obtaining a Personalised Octopus is HK$100 which includes HK$50 deposit, HK$30 initial stored value and HK$20 administrative fee for the issue of the Personalised Octopus. Such fee(s) will be charged to the AAVS Account by the Bank.